Renters insurance in Pittsburgh can help protect you from the risks presented by unknown people doing unknown things when you share a wall or a building with those unknown people. Apartment fires happen every day, and the older the building is the more dangerous the fire can be and the faster it will spread. Of course, newer buildings of frame construction can be inherent fire risks, too. Still don’t think it will happen to you? Still wondering why you need Pittsburgh renters insurance? Read on!
Latrobe Arson Proves Some Fire Risk Can’t Be Predicted
A Westmoreland County apartment building fire has left many wondering what their next steps might be. The fire started in the early morning hours in the 500 block of Main Street, Latrobe. Five units as well as additional personnel from other areas were required in order to bring the fire under control.
One of the building residents is alleged to have started the fire in a closet. This wasn’t a mental health issue, or a domestic issue. The suspect has stated that he “did it to collect money on his renters insurance policy.” You need Pittsburgh renters insurance so you can protect yourself from lunatics who think they can safely set a building on fire and collect on their policy.
The building, which suffered $300,000 of damages, contained six apartments. Every apartment in the building was occupied, which means that this person risked the lives and possessions of five other families, along with his own property, to try to get a payout he wasn’t entitled to.
If one is going to commit arson and renters insurance fraud, one should at least have the common courtesy to do it during the day when most people are at work and kids are at school. This person lacked even that much common sense, setting the fire while most people are still asleep or have just barely woken up. Several neighbors have, of course, stated that “He seemed like such a nice boy…”
Two Families Unsure Of Next Moves After Blowtorch Sparks Fire
This is a subject that’s all too familiar, after what happened at Avalon Edgewater. On Ormond Street, two families aren’t sure where they’re going to go or what they’re going to do after their apartments in Swissvale were destroyed. While you might expect this to be due to the negligence of a plumber, you’d be wrong (this time).
This apartment fire in western PA was likely due to roofing contractors who were using a torch to make repairs. The Fire Chief suspects that the crew attempted to put the fire out, and that it’s likely that they waited before they called 911. That allowed the fire to spread down to the third floor faster than it should have, and put both families and firefighters at risk.
Pittsburgh Renters Insurance would pay for a hotel for those families to stay at, as well as for their lost property. The roofers’ insurance, of course, will take care of the extensive damages to the building assuming that they’re proven to be the cause.
There’s a strong chance that the building owner will get the bulk of what’s available from any insurance carried by the roofers, leaving tenants to resort only to their own renters insurance. Never assume that “the other guy will have liability coverage” and that you don’t need renters insurance as a result. Maybe he has it, maybe he doesn’t. Maybe he doesn’t have enough. In this case, it appears initially that the roofer was properly insured, but that’s often not the case. It costs all of about fifteen dollars a month to protect your own family. You need Pittsburgh renters insurance.
Fire Contained To One Condo, Smoke, Water Temporarily Condemn Entire Building
A Squirrel Hill condo broke out in flames causing significant damage to the structure. This second-story blaze is of concern to the entire building, but not because the fire damaged other units. The fire was contained to a single condo. What was not contained was the water and smoke damage from putting out the fire.
One of the reasons you need Pittsburgh renters insurance is that the person who is responsible for the fire – if they have enough liability coverage – would only pay you actual cash value for your loss as a result of that fire or the smoke or water damage. On the other hand, your renters insurance policy can pay you replacement cost so you can go buy things to replace what’s damaged.
It’s also much easier to make a claim on your own policy and then let your insurance company worry about chasing the person who started the fire and/or their insurance policy. That’s what insurance companies do, and they’re very good at it. It’s part of their business model, and you should let it be their problem, not yours. They’re equipped for it, and you’re not. Just make a claim on your own policy and you can be back up and running in no time.
Loss of use coverage would apply here, as well, if the building isn’t usable because of the fire, smoke, and water damage.
As you can see, there are a variety of reasons that you need Pittsburgh renters insurance. It’s not just the losses to your property, what if the fire was your fault? Not that you’d set it, but maybe you had too many things plugged into an extension cord and that sparked the fire.
In that case, your liability coverage would defend you against the claims of others as well as pay them appropriately, so that you don’t have to pay for a lawyer or the claim out-of-pocket. Renters insurance is about more than just protecting your stuff. It protects your assets, your future, and your family as well.
All of that protection comes at a very small cost. Renters insurance starts at around fifteen dollars a month, so it’s the most affordable protection you can buy for your family. To learn more, just call (800)892-4308 or click to get covered - whether you need Pittsburgh renters insurance quotes online or coverage anywhere else!
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